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How much can I borrow, and what will it buy?

Put in your income and savings to see the largest mortgage the ČNB's rules and a typical bank's affordability test allow, and the price that buys. Or start from a price to see the monthly payment. Then see the flats for sale within your budget.

From a shared link: change any figure to make it yours.

What do you want to know?

Who’s buying
The home

26.7% of the price. At least 1,300,000 Kč for you.

The mortgage

A month25.4K Kč

Mortgage4.8M Kč

Monthly payment

Monthly payment
25,389 Kča month
Mortgage
4,762,000 Kč

A bank will want to see a net income of about 56,420 Kč a month, for the payment to be 45% of it.

Loan to value
73.3% of the price
The most a bank may lend you: 80%
Cash on day one
1,755,000 Kč
Interest over 30 years
4,378,142 Kč
Repaid in all
9,140,142 Kč

Flats for sale up to 6,500,000 Kč

Live from the listings on Bytky: how many flats for sale ask no more than your budget, by layout. Each opens them on the map.

Counting the flats…

What you still owe, year by year

Each year’s payments

Each year’s payments
YearInterestRepaidStill owed
1233,651 Kč71,017 Kč4,690,983 Kč
2230,060 Kč74,608 Kč4,616,375 Kč
3226,291 Kč78,377 Kč4,537,998 Kč
4222,328 Kč82,340 Kč4,455,658 Kč
5218,168 Kč86,500 Kč4,369,158 Kč
6213,798 Kč90,870 Kč4,278,288 Kč
7209,203 Kč95,465 Kč4,182,823 Kč
8204,382 Kč100,286 Kč4,082,537 Kč
9199,313 Kč105,355 Kč3,977,182 Kč
10193,990 Kč110,678 Kč3,866,504 Kč
11188,397 Kč116,271 Kč3,750,233 Kč
12182,519 Kč122,149 Kč3,628,084 Kč
13176,348 Kč128,320 Kč3,499,764 Kč
14169,862 Kč134,806 Kč3,364,958 Kč
15163,051 Kč141,617 Kč3,223,341 Kč
16155,894 Kč148,774 Kč3,074,567 Kč
17148,377 Kč156,291 Kč2,918,276 Kč
18140,480 Kč164,188 Kč2,754,088 Kč
19132,181 Kč172,487 Kč2,581,601 Kč
20123,466 Kč181,202 Kč2,400,399 Kč
21114,310 Kč190,358 Kč2,210,041 Kč
22104,689 Kč199,979 Kč2,010,062 Kč
2394,584 Kč210,084 Kč1,799,978 Kč
2483,967 Kč220,701 Kč1,579,277 Kč
2572,812 Kč231,856 Kč1,347,421 Kč
2661,098 Kč243,570 Kč1,103,851 Kč
2748,789 Kč255,879 Kč847,972 Kč
2835,857 Kč268,811 Kč579,161 Kč
2922,274 Kč282,394 Kč296,767 Kč
308,003 Kč296,767 Kč0 Kč

Read the guide to Czech mortgages for foreigners

How the calculator works

The ČNB sets how much of a home’s value a bank may lend. Banks then test whether you can afford the payments, each its own way. The calculator applies the ČNB’s limits as they stand and a typical affordability test you can change.

What it counts

  • Your income: the payment may take at most a share of your net income, less what other loans already take. The most that payment repays over the term is one limit.
  • Your savings: the purchase costs come out first. The rest must pay the part of the price a bank may not lend: 20% of the price for most buyers, 10% under 36, 30% for a flat to let.
  • For a flat to let, the ČNB also recommends that all your debt stays within 7 times your yearly net income.
  • The lowest limit is what you could borrow, rounded down to the thousand. Add your savings after the purchase costs, and that’s the price you could pay.
  • The payment is a standard annuity: the same amount every month, mostly interest at first and mostly repayment by the end.

What it leaves out

  • The valuation: banks lend against their valuer’s figure, which can come in below the price.
  • Rate changes: the rate is fixed for a few years at a time, then set again. The calculator keeps one rate for the whole term.
  • Bank fees and insurance the bank may ask for. Compare offers by their RPSN, which counts the fees.
  • Each bank’s own checks: your job and residence, your age at the end of the term, the living costs it assumes for your household.
  • Tax relief: interest on a mortgage for your own home lowers your income tax. The rent or buy calculator counts it.

Every starting figure and its source

Verified figures come from the ČNB or the law, checked on the date shown. Assumptions are typical values: change them to yours.

Questions

Questions about Czech mortgages

How much can I borrow for a mortgage in Czechia?

Two things set it. The ČNB caps the loan at 80% of the home’s value (90% if you’re under 36 and buying your own home), so your savings decide the most you can borrow. And the bank checks you can afford the payments: a common ceiling is all loan payments at most 45% of your net income. The lower of the two is what you could borrow.

How big a down payment do I need?

At least 20% of the value for most buyers, or 10% if you’re under 36 and buying your own home. For a flat bought to let, the ČNB recommends at least 30%. The purchase costs, about 17,000 Kč for the cadastre fee and a lawyer, come on top.

Is there a limit on payments against income?

Not a legal one for your own home any more. The ČNB capped loan payments at 45% of net income (50% under 36) from April 2022 until July 2023. Banks still test affordability, each its own way, so the calculator uses 45% as a typical ceiling you can change.

What changes for a flat bought to let?

Since April 2026 the ČNB recommends that a mortgage on a flat to let, or on a third or further home, covers at most 70% of its value, and that all your debt stays within 7 times your net income for a year. Switch “What it’s for” to a flat to let to apply both.

What interest rate should I put in?

The calculator starts from 4.94%, the ČNB’s average rate on new housing loans. Your bank’s offer depends on the fixation, the share of the price you borrow and your income. Czech rates are fixed for a few years at a time, so the payment can change when the fixation ends.

Can I get a Czech mortgage as a foreigner?

Usually, yes. The ČNB’s limits are the same for everyone; what differs is each bank’s rules on residence and income. Citizens of the EU living in Czechia are usually treated like Czechs. Our guide to mortgages for foreigners explains what banks ask.

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